B-Charitable CheckingSM

This is an innovative checking account that gives back! Fremont Bank will donate a percentage of your year-to-date average available annual balance and a fixed amount per qualified posted debit card transactions6 to the Partnered Nonprofit Organization of your choice7.

Student Checking

Enjoy a full-featured checking account with no account monthly service fee for up to 5 years if you are enrolled as a full-time student at an accredited institution9. Perfect for students in high school and college.

Just Right CheckingSM programs (including, without limit, fees, rates and features) are subject to change without notice.

*Separate enrollment of eligible debit card in UChoose Rewards® required. Eligibility and participation are subject to terms, conditions and restrictions. Taxes, if any, are account holder's responsibility. The value of rewards from redeemed points may be reported to the IRS as miscellaneous income on Form 1099–MISC in the year redeemed.

1 ATM surcharges will be automatically rebated for any other Bank-owned and operated ATM in the United States.

2 Mobile Banking: Messaging and data charges from your mobile carrier service apply. Review your contract with your individual mobile carrier service before enrolling in Mobile Banking. Mobile internet browser is required in order to use some optional features of Services.

3 This is a variable rate account. Rates may change at any time without prior notice. Fees may reduce earnings.

4 The Combined Balance Option allows you to combine certain balances to avoid paying monthly service charges on your eligible checking account. The Combined Balance Option requires identical account ownership. You can avoid the monthly service charge on only one checking account by choosing the Combined Balance Option. The Option is activated on any day the checking account balance falls below the minimum amount required to avoid the monthly service charge. When that happens, the balance of the checking account will be combined with the lowest month-to-date minimum balance(s) in the flexed account(s) to determine if you meet the balance requirement.

5 A $2.00 paper statement fee applies; waived for e-statements. Electronic statements (e-statements) are free but require online banking. To receive electronic delivery services, you must have a working connection to the internet with email capability.

6 Fremont Bank (the "Bank") will make the annual donation to the nonprofit organization chosen by the B-Charitable account holder. The nonprofit organization must be selected from the list of approved nonprofit organizations provided by the Bank. The Bank retains the right, in its sole discretion, to determine which nonprofit organizations will be included on such list. The donation amount will be determined in the Bank's sole discretion, provided however that the applicable percentage to be applied to an account holder's B-Charitable Checking Account and the rate for the qualified Fremont Bank debit card transactions will be fixed at the time such account holder's account is opened and will also be subject to change, in the Bank's sole discretion, as of January 1st each year for each such account then in existence. The Bank's donation will be distributed to the nonprofit organization's operating account with the Bank based upon a percentage of the Year-To-Date Average Available Annual Balance and a fixed rate on qualified posted debit card transactions, based upon 12 months period, in the account holder's B-Charitable Checking Account as of December 31st of each year. Both the nonprofit organization's operating account and the account holder's B-Charitable Checking Account must be open on December 31st, provided however, that in the event that the Bank elects, in its sole discretion, to terminate the B-Charitable Program, the amount of the donation to be made to the chosen nonprofit organization shall be calculated based on the pro-rated Year-To-Date Average Available Annual Balance and current qualifying posted debit card transactions in the account holder's qualifying account as of the date that the Bank terminates the B-Charitable Program, which pro-ration shall be based on a 12 months period. The Bank's donation is not tax-deductible to the B-Charitable Checking account holder.

7 A fixed amount per posted debit card transaction, determined by the Bank in its sole discretion, will be donated on all signature-based (Credit) and pin-based (Debit) posted transactions ("swipes") using the Fremont Bank B-Charitable debit card. Transactions at an ATM are not eligible. Swipes are calculated on a fiscal basis with a payout based on the calendar date of December 31st of each year. The B-Charitable Checking account holder must have completed at least 20 swipes during the fiscal year of January 1st through December 31st to qualify.

8 A Direct Deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited to your account. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit.

9 No account monthly service charge on Student Checking for 5 years while enrolled full-time in an accredited institution. Subject to approval. Certain restrictions apply. Students must provide proof of enrollment at an accredited institution at time of account opening. After the first 5 years, the account will be converted to a standard Freedom Checking account and subject to the then current checking service charges. For students under 18, a parent/guardian must be listed as a joint owner on the account.

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